Citi Credit Cards

Citi Clear Credit Card

Updated 4 May 2020

With the Citi Clear credit card you can enjoy 0% p.a. for the first 9 months on balance transfers. Features a low 14.99% p.a. on purchases and platinum benefits. The annual fee is $99 and you can add up to 4 additional card holders for no extra cost.

Interest on purchases at 14.99% p.a. isn't that low compared to other low rate cards on the market

Creditcard.com.au review

Editor Review

Citi Clear Credit Card

Roland Bleyer

Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. Ask Roland a Question about this card.

The Citi Clear Credit Card

This is a good value everyday card. The purchase rate is low, you get a platinum concierge to help you make arrangements and bookings, Citi world privileges program meaning discounts worldwide on hotels, restaurants etc + you get a free bottle of wine at restaurants on Citi's partner program. A few meals a year and the annual fee is covered.

What we love…

The card features a relatively low rate of 14.99% p.a. on purchases, 0% for the first 9 months on balance transfers. The annual fee is $99 and you can add up to 4 additional cardholders at no extra cost. For the $99 annual fee you get access to a platinum concierge and Citi Dining Program, where you can enjoy a free bottle of wine at participating restaurants when you pay with your Citi card.

Your review helps others make a better decision & builds the Creditcard.com.au community

Kind Regards

Roland B Bleyer

Founder - Creditcard.com.au

Rates and fees

Interest rates

Purchase rate 14.99% p.a.

Cash advance rate 22.24% p.a.

Interest free period on purchases up to 55 days

Balance transfer

Balance transfer rate 0% p.a. for 9 months

Balance transfer revert rate 22.24% p.a.

Balance transfer from personal loan Yes

Balance transfer fee No fee

Balance transfer limit 80% of approved credit limit

Banks you can't balance transfer from Citi

Credit limits

Minimum credit limt $6,000

Maximum credit limit $100,000

Fees & repayments

Annual fee $99 p.a.

Additional card holder fee Up to 4 at no extra cost

Foreign transaction fee 3.4%

Minimum repayment Whichever is greater: $30; or 2% of Card Balance; or The sum of 1.00% of the Card Balance, Late Payment Fee (if any) and interest charged for that month, plus any Monthly Instalment for that month

Cash advance fee 3.5%

Late payment fee $30

Additional features

Complimentary insurance

International Travel Insurance No

Flight Inconvenience Insurance No

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance No

Extras

Free wine with the Citibank Dining Program

Overview

Citi Clear Credit Card

Key features

0% p.a. on balance transfers for the first 9 months with no balance transfer fee.

14.99% p.a. on purchases

Up to 55 days interest free on purchases

Platinum concierge

Up to four (4) supplementary cardholders at no additional fee

$99 annual fee

Guaranteed pricing scheme

With the Citi Dining Program, enjoy a free bottle of wine from award-winning wineries every time you dine at hundreds of participating restaurants and pay with your Citi card. T&Cs apply

Minimum criteria to apply for this card

Be over 18 years old

Good Credit and have not applied for multiple credit cards recently

Australian resident

Minimum income of $35,000 p.a.

You have your personal details ready to complete the online application

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

59 questions (showing the latest 10 Q&As)

59 questions (Displaying latest Q&A)

isabella

22 August 2019

Hi, I am planning to apply for this card and want to know whether Citi clear platinum credit card accepts balance transfer from AMEX as I read on top they do not accept from Coles mastercard. Thank You.

Roland

23 August 2019

Hi Isabella, a balance transfer needs to be between different banks. Citi issues the Coles credit card range. Thus why you cannot balance transfer between them. You can however transfer AMEX debt to a Citi balance transfer offer, subject to credit approval.

Chaitra

25 June 2019

I am in Sydney since a month with a good pay, looking for a credit card that low on interest and annual fees. Also the only big transactions on my card would be air tickets(not quantas :) ). Kindly suggest. And I dont understand the interest rates, so irrespective of paying within the timeframe, every transaction is charged for a interest?

Roland

27 June 2019

Hi Chaitra, a month is probably not enough time to build enough history to get approval for a credit card. Though every persons financial situation is unique. Therefore depending on your residency it could be possible. Typically banks will want at least 2 months employment, if not 6 months to feel conformable. Though if you have a strong employment contract this could go some way. For interest, if you pay off your balance in full billing cycle, I like to do monthly. Then you will typically get up to 55 days interest free. If you carry a balance, then you will need to pay interest from day 1. The purchase rate is the one you need to look at. The purchase rate is the interest that would be charged on say your airline ticket purchase (if you did not pay in full in the billing cycle). A credit card is not for life. Therefore if you just start somewhere. Then adjust what card you have based on your spending and features that you use. Not sure what airline you use but would be good to get a card that can get you free flights with that.

Fiascoe

16 May 2019

Hi there I have a platinum clear Citibank credit card with 24 months interest free and 14..99 on purchases. If I still have $2000 to pay off this card on the 0% but make a retail purchase do I pay 14.99 on my retail purchase only or 14.99 on the whole remaining balance

Roland

16 May 2019

Hi Fiascoe, you would pay 14.99% on just the new retail purchases. For the remaining balance transfer of $2,000 - you will not pay interest on this amount until the intro period expires.

Sharon

8 May 2019

How long does it take after I am approved for the balance to be transferred? Is there anything I need to do to initiate this or is this automatically done at your end? Thanks!

Roland

8 May 2019

Hi Sharon, the balance transfer should occur soon after card activation. There is nothing you will need to do on your end. Citi will make a payment on your behalf of the approved balance transfer amount. This will effectively more the debt from your previous providers to Citi. You will receive the 0% rate on this amount until the intro period expires.

Yosh

29 April 2019

Hi, I would like to apply for citi clear platinum credit card, will I get the balance transfer sent to me as a cheque? I have couple of loan accounts to pay off. please confirm so that I can apply asap.

Roland

29 April 2019

Hi Yosh, yes it is possible to get the balance transfer amount sent as a cheque with Citi.

Tim

3 April 2019

Hi there, I am a fully discharged bankrupt (Part X) with a clean credit file and a credit score of 799, and I’m looking for a secured car loan. I earn $200,000. I understand not all lenders check the NPII, can you suggest any lenders who I should apply with? Many thanks for your time.

Roland

4 April 2019

Hi Tim, I would suggest you try a service that has a panel of lenders. Complete a quick quote on here - https://www.carloanworld.com.au/get-a-quote. See what they can offer. If you are not happy then look at other providers. Let me know how you go.

Zoey Hummel

1 December 2017

I have a credit score of 506 I have a full time job would I likely be approved

Roland

4 December 2017

Hi Zoey, the banks will take a range of factors into consideration for accessing your credit card application. Big factors include income v expenses, assets v liabilities and your credit history. The likelihood of approval will depend on these plus more. So its very difficult to say whether you will be approved before assessing the whole application. Bottom line if you have not applied (and been declined) for credit in the past 6 months and you like the offer, then I say its worth a shot.

Adam

1 August 2017

Hi Roland. I have a default listed from a credit card from 5 years ago. It happened whilst I was travelling abroad. I earn $150-200k a year. Will this old default affect me greatly. Thanks

Roland

2 August 2017

Hi Adam, a default should come off your credit file after 5 years. Therefore if it has been that long then you could be all clear. I would suggest you get a current free copy of your credit file. If it is still listed it must be coming off very soon. If it is listed it will affect your ability to get approved for a credit card.

Jeannette Hayes

3 April 2017

Hello i am on a disability pension and i want to get a gredit card for emergencies and i have bad credit how can i get one please thanking you Jeannette

Roland

4 April 2017

Hi Jeannette, having bad credit, you are unlikely to be approved for a credit card. If you can clean your credit up, then reach out again and I can suggest some cards that may suit.

Royce mojares

4 December 2016

How much is the maximum for balance transfer?

Roland

5 December 2016

Hi Royce, max credit limit on this product is $100,000. You can transfer up to 80% of your approved limit. Even though this is the maximum, it is very unlikely that you would get this type of limit when you first apply. How much are you looking to transfer?

Lucas Phelan

23 August 2016

What is the maximum credit limit this card can have?

Roland

23 August 2016

Hi Lucas, this card has a maximum credit limit of $100,000.

vicky

17 December 2015

have u got to have a good credit rateingand is there a credit card for pensioners

Roland

18 December 2015

Hi Vicky, you need a good credit rating to apply. Its possible for pensioners depending on income and expenses. The people I know have been approved get extra income from super and have good credit.

Tim Bowden

7 October 2015

I am interested in transferring credit card debt to an interest free card with no monthly repayments. I now have a steady job and good income so I can successfully pay off this debt but I want to go the most effective way about it. Can you help me? Tim

Roland

9 October 2015

Hi Tim - all balance transfer offers will require minimum monthly repayments, therefore you cannot get away from them with these types of offers. Check out or 0% balance transfer section. What is best will depend on your personal situation and ability to pay off the debt over what period of time. There are 0% offers for up to 24 months. If you can budget to pay off the debt in that time inc the annual fees, then this is a great starting point.

DAVID COOK

22 September 2015

do I have hire car insurance if I pay the hire with my credit card

Roland

22 September 2015

Hi David - not for any domestic activity - your excess could be covered by the international travel insurance with this card.

tim mcloughlin

16 June 2015

Hi with regard to credit checking does your company use Veda or Dunn &bradstreet

Roland

16 June 2015

Hi Tim, Citi will uses a number of ways to access your application. Your credit file information is not a particular company but a record of your credit activity. Veda have this information on file and will be able to provide you with a free report by completing an online form. Dunn + Bradstreet, as far as I know, is for businesses rather than individuals. Its always a good idea to check your credit file before you apply.

Sara

4 June 2015

Is the travel insurance only valid if you pay for your travel on this card (we've already booked)?

Roland

4 June 2015

With Citibank, it looks like you to book the ticket with your card. With many other programs you just need to book a certain amount of prepaid expenses pre-trip. Below is grabbed from the insurance PDF A cardholder with a Prestige Card, Signature Card, Platinum Card or Citibusiness Gold Card is eligible for this International Travel Insurance when they meet all of the following criteria: 1. the cardholder’s travel is for no more than six (6) consecutive months or three (3) months for Citibusiness Gold Card cardholders; and 2. before leaving Australia the cardholder obtains their overseas travel ticket (but not taxes or airport or travel agent charges) by one or a combination of the following methods: (a) charging the cost of the overseas travel ticket to the cardholder’s card; or (b) obtaining the overseas travel ticket under the Citibank Travel Program; or (c) obtaining the overseas travel ticket via the cardholder’s airline frequent flyer program, provided that a minimum of 15,000 points were transferred to that frequent flyer program from points earned on a Citibank Card or via Citi Rewards, over a 12 month period prior to obtaining the overseas travel ticket; and 3. the person is a cardholder at the time obtain their overseas travel ticket

Kat

5 May 2015

Hi, I have an existing cc debt of 14K plus a car loan of 11K. I was planning on consolidating this debt by transferring it to a 0% balance transfer card. Which card would you recommend? Would it make sense to transfer the balance and then use my existing card for any needed purchases and not touch the new card apart from making payments? Thanks

Roland

5 May 2015

For that kind of amount I like the Citi Platinum Rewards card with 0% for 24 months. With Citi you can balance transfer up to 80% of the approved limit. Therefore you would need a limit around $32k to successfully be able to balance transfer the car loan + card debt. Citibank (and cards that they issue) are the only balance transfer (that I am aware of) that accepts non-Citi personal loan debt as well as store and credit cards. Best of luck with your application. It sounds like it could save you a heap in interest.

Jasmin

23 November 2014

Hi, I was just inquiring about your 9mths interest free on balance transfers and purchases. Is the balance transfer plus and purchases in the first 9mths of being approved free from any interest during that 9 mths? Also if I pay it off say in 4 mths then use the card again do I still have no interest for 5mths? Is that how this card works? Thanks

Roland

24 November 2014

Hi Jasmin - yes the interest free period is a full 9 months. This is from the date of issue therefore on the purchases side it should be more like 8.5 months. If you used the card, paid it off in full after 4 months then you would have another 5 months interest free. Best of luck with your application. If this offer is used well it works out great. The purchases revert to the low purchase rate so if you dont pay off in full you wont be hit with high interest. The balance transfer component reverts to the cash advance rate, therefore its important to pay this off (if used) within the intro period.

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